Poonawalla Fincorp Ltd - Stock Valuation and Financial Performance

BSE: 524000 | NSE: POONAWALLA | Finance - NBFC | Mid Cap

Poonawalla Fincorp Share Price

308.60 -6.30 -2.00%
as on 30-Jan'25 16:59

DeciZen - make an informed investing decision on Poonawalla Fincorp

Overall Rating
Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

Poonawalla Fincorp stock performance -

P/E Ratio (SA):
57.52
Market Cap:
24,009.4 Cr.
52-wk low:
270
52-wk high:
514

Is Poonawalla Fincorp Ltd an attractive stock to invest in?

1. Is Poonawalla Fincorp Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Poonawalla Fincorp Ltd is a below average quality company.

2. Is Poonawalla Fincorp Ltd undervalued or overvalued?

The key valuation ratios of Poonawalla Fincorp Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is Poonawalla Fincorp Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Poonawalla Fincorp Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Poonawalla Fincorp:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Poonawalla Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)2,0192,1101,9782,0642,2332,1781,8491,5361,9403,1143,623
YoY Gr. Rt. %-4.5%-6.3%4.4%8.2%-2.5%-15.1%-16.9%26.3%60.5%-
Adj EPS (₹ ) 7.37.70.38.510.2-0.4-21.53.87.626.75.4
YoY Gr. Rt. %-5.5%-96.6%3165.4%20.4%-103.6%NANA99%250.1%-
BVPS (₹ )72.685.785.976.294.59371.674.582.3104.5103
YoY Gr. Rt. %-18%0.3%-11.3%24%-1.6%-23%4%10.5%27%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.31.50.11.62-0.1-5.12.63.89.80

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income4.9%6.9%19%60.5%
Adj EPS15.5%21.2%NA250.1%
BVPS4.1%2%13.4%27%
Share Price 11.5% 39.6% 2.8% -35.5%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)7.48.90.39.812.3-0.5-31.319.130.26611.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)11.3110.310.512.6-0.4-26.17.79.728.65.2

Recent Performance Summary

Total Income has increased 18.98 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 5.20%

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Poonawalla Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) 5.4 5.4
TTM Sales (₹ Cr.) 3,623 3,623
BVPS (₹.) 103 103.7
Reserves (₹ Cr.) 7,861 7,911
P/BV 3.00 2.98
PE 57.52 57.52
From the Market
52 Week Low / High (₹) 270.00 / 513.95
All Time Low / High (₹) 1.81 / 519.95
Market Cap (₹ Cr.) 24,009
Equity (₹ Cr.) 155.6
Face Value (₹) 2
Industry PE 27

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income757 53.1909 59.6973 40.7984 34.6
Adj EPS (₹)3.45 75.14.30 833.79 45.2-6.10 -216
Net Profit Mgn %34.77 477 bps36.25 499 bps29.83 116 bps-47.63 -10237 bps

Management X-Ray of Poonawalla Fincorp:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:62.36%Institutions:19.03%Non-Institutions:18.61%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Poonawalla Fincorp

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Poonawalla Fincorp

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Aditya Birla Capital 177.1 0.4 (0.2%) Mid Cap 34,506 14.4 10 12.3 1.6
SBI Cards AndPayment 774.9 13.1 (1.7%) Mid Cap 16,968 21.5 14.2 36.1 5.5
Mah & Mah Finl. Serv 276.1 6 (2.2%) Mid Cap 15,797 20 12.3 13.8 1.6
L&T Finance 144.3 -1.8 (-1.2%) Mid Cap 13,581 10.3 17.1 14.1 1.5
Muthoot Finance 2,205 -4.9 (-0.2%) Mid Cap 12,635 109.9 32.1 20.1 3.5
Sundaram Finance 4,395.3 -11.2 (-0.3%) Mid Cap 7,267 141 19.6 31.2 3.9
Indian Ren. Energy 196 3.8 (2%) Mid Cap 4,964 5.7 25.2 34.3 5.4
Poonawalla Fincorp 308.6 -6.3 (-2%) Mid Cap 3,114 5.4 66 57.5 3
Tata Invest Corp 5,965.2 41.6 (0.7%) Mid Cap 288 53.8 83.7 110.8 0.8

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income2,0462,1392,0272,1012,4062,2361,8772,0782,4493,687
Interest Income2,0192,1101,9782,0642,2332,1781,8491,5361,9403,114
Other Income 273049371735928542509574
Expenditure 1,8711,8732,0161,8642,0032,2022,6501,6941,7042,370
Interest Expense 1,0619989431,0131,0181,124875509595955
Operating Expenses 566520506529586584442599789789
Provisions 2443555683223994941,333585320626
Exceptional Items 00000000211,221
Profit Before Tax 1752661123740334-7733857672,539
Taxes 267953612844-19491182483
Profit After Tax 1491876201275-10-5782935852,056
Adjusted EPS (₹)7.37.70.38.510.2-0.4-21.53.87.626.7
Dividend Payout Ratio (%)11%10%312%9%8%0%0%10%26%8%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital1,4812,0442,0381,8112,5562,5151,9425,7156,4258,116
Share Capital 135604747545454153154154
Reserves 1,3451,9841,9911,7632,5022,4611,8885,5626,2717,962
Minority Interest0000000000
Long Term Borrowings3,1412,8672,5522,7072,9932,7472,9723,7497,2088,992
Current Liabilities 7,7377,9696,8098,8059,2957,5895,1303,1424,3436,765
Trade Payables19916121031936520851323
Short term borrowings5,4445,9544,8738,1718,6337,1784,6652,7833,8745,934
Other Liabilities-5,643-6,115-5,084-8,490-8,998-7,198-4,750-2,796-3,876-5,937
Total Liabilities 12,35812,88111,40013,32314,84412,85110,04412,60617,97623,873

Assets

Non Current Asset 7,7148,1507,16312,75713,74611,9089,26111,79015,80822,651
Loan Asset 7,1777,3966,05712,15413,13811,1758,56510,67815,22922,046
Other Non Current Asset 5377541,1066036087336961,112579604
Current Asset 4,6444,7314,2365651,0989437838162,1681,222
Current Investment72264700000268654
Other Current Asset4,5724,7054,1895651,0989437838161,900568
Total Assets 12,35812,88111,40013,32314,84412,85110,04412,60617,97623,873

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 837142,406211-5841,6612,088-1,649-3,900-6,986
Cash Flow From Investing Activity 22-244-180-36-77-24193-525-1772,993
Cash Flow From Financing Activity -201-498-2,301-2091,135-1,782-2,1202,2444,3443,647
Net Cash Flow -96-28-75-34475-3636070266-346
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)7808100-214827
DPS (₹)1111100022
BVPS (₹)738686769593727482105

Performance Ratios

ROA (%)1.31.50.11.62.0-0.1-5.12.63.89.8
ROE (%)11.311.00.310.512.6-0.4-26.17.79.728.6
ROCE (%)11.611.08.510.710.48.60.98.09.117.2

Valuation Parameters

Price/Book(x)1.30.91.22.01.20.21.53.73.64.5

Poonawalla Fincorp Ltd Stock News

Poonawalla Fincorp Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Poonawalla Fincorp on 30-Jan-2025 16:59 is ₹308.6.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 30-Jan-2025 16:59 the market cap of Poonawalla Fincorp stood at ₹24,009.4.
The latest P/E ratio of Poonawalla Fincorp as of 30-Jan-2025 16:59 is 57.52.
The latest P/B ratio of Poonawalla Fincorp as of 30-Jan-2025 16:59 is 3.00.
The 52-week high of Poonawalla Fincorp is ₹514.0 and the 52-week low is ₹270.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Poonawalla Fincorp is ₹3,623 ( Cr.) .

About Poonawalla Fincorp Ltd

Magma Fincorp Limited (formerly Magma Leasing Limited) was incorporated in 1988 and commenced its operations in 1989.

To strengthen its business, the company merged with Arm Group Enterprises in 1992. In early 2007, to strengthen its services even more, Shrachi Infrastructure Finance Ltd. (SIFL), a non-banking retail financing company, was merged with Magma to create a new financial services powerhouse: Magma Shrachi Finance Limited. On August 2008, it was renamed as Magma Fincorp.

It is headquartered in Kolkata (India), and registered with the Reserve Bank of India and is represented by a qualified team of over 4500 Magmaites. In response to the rapidly evolving demand of an India on the move, they offer individual and corporate customers a range of financial products and services in: commercial vehicle finance, construction equipment finance, passenger car finance.

Interestingly, they rapid growth over the last few years is not just derived from company conscious initiative in growing company physical infrastructure; it originates in the prudent investments that they have made in lasting relationships - with team members, alliance partners, customers and vendors As a result, they have achieved a compounded annual growth rate of over 70 per cent over the last three years. They have outperformed the growth in the Indian financing industry. And in doing so, the company has emerged as a dynamic industry proxy Now by the same approach, they expect to make this growth as sure as company expect to make it sustainable. Resulting in an organization that is stronger and more responsive to growing needs of a dynamic nation.

Today, it offers its services in 21 states through 154 offices. Each branch caters to an area of 40 km radius - down from 125 km just a year ago - translating into a wider reach and better penetration.

Services offered by the company:

In response to rapidly evolving demand, it offers individual and corporate customers a range of financial products and services in:

  • Commercial Vehicle Finance
  • Construction Equipment Finance
  • Car and Utility Vehicle Finance
  • Suvidha Loans (Refinance)
  • Strategic Construction Equipment Finance
  • SME Loans
  • Insurance

Important events

2011
Magma Fincorp gets R1 approval from IRDA to launch general insurance business
2012
Magma Fincorp acquires GE Capital India's Housing Finance & Home Equity Loans Businesses
2014
Magma launches Tyre Loan for Existing Customers

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